VAN STEIJN BEHEER · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

VAN STEIJN BEHEER is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €100 and a net result of €136k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 5% of 498 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 4 annual accounts.

Signals

2 signals · with evidence

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 498 sector peers (2025).

View the sector comparison

Consistently profitable

Positive net result in the two most recent financial years (2024 and 2025).

View the result trend

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 02-04-2026, 120 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.

The next deadline is still running

The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.

How we compute the deadline

The year end is derived from 4 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2025, that is 31-07-2026.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
31-12-2025	31-07-2026	02-04-2026	120 d early	2026-00070561
31-12-2024	31-07-2025	31-07-2025	on the day	2025-00338114
31-12-2023	31-07-2024	24-05-2024	68 d early	2024-00094738
31-12-2022	31-07-2023	26-07-2023	5 d early	2023-00271643

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals

More than 3 years active

Founded in 2020, past the statistically most fragile first 3 years.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.

Financials

Equity€100-100.0%

Net result€136k+101.0%

Total assets€741k-8.6%

Solvency0.0%-34.8pp

CSV export

Annual accounts & ratios

Source: NBB · 2025

Annual accounts filed on 02-04-2026 with the NBB · fiscal year 2025 · verkort

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

volatile Too volatile to project: the yearly deviation from the trend is ~42% of the level (threshold 35%). We therefore deliberately show no projection line.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2025 · NACE 64, Financial services · compared within the same schema type (abbreviated schema)

Metric	This company	Sector median	Position in the sector
Solvency	0.0%	43.2%	better than 5% of 498 sector peers
Net result	€136k	€68k	better than 64% of 498 sector peers
Equity	€100	€492k	better than 5% of 498 sector peers
Gross operating margin	€104k	€83k	better than 58% of 497 sector peers
Total assets	€741k	€1.58M	better than 32% of 498 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Sector position over time

Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).

Solvency P5

Stable position over 2022-2025 · n=498-1407

Net result P64

Improving position over 2022-2025 · n=498-1406

Equity P5

Weakening position over 2022-2025 · n=498-1407

Gross operating margin P58

Improving position over 2022-2025 · n=497-1405

Describes the position versus peers, not a forecast.

Net profit

€136k

+101.0% 22-25

Total assets

€741k

-8.6% 22-25

Equity

€100

-100.0% 22-25

Income taxes

€24k

+0.2% 22-25

Dividends

€418k

- 22-25

Debt

€741k

+40.3% 22-25

Debt ≤ 1y

€741k

+44.7% 22-25

Solvency

0.0%

-100.0% 22-25

ROE

135580.5%

+566952.8% 22-25

ROA

18.3%

+119.8% 22-25

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2025
Deposit	verkort
Revenue	n/a
EBITDA	n/a
Net profit	€136k
Cash flow	n/a
Staff costs	-
Income taxes	€24k
Dividends	€418k
Total assets	€741k
Equity	€100
Debt	€741k
of which ≤ 1y	€741k
of which > 1y	-
Working capital	n/a
Employees (FTE)	-

Ratios (computed)

	2025
Current ratio	n/a
Quick ratio	n/a
Working capital ratio	n/a
Solvency	0.0%
Debt / equity	n/a
Long-term debt ratio	n/a
Interest coverage	n/a
Gross margin	n/a
Net margin	n/a
ROA	18.3%
ROE	135580.5%
EBITDA margin	n/a
Days sales outstanding	n/a
Days payable outstanding	n/a
Inventory turnover	n/a
Days inventory (DSI)	n/a

Balance-sheet composition 2025

Assets

Fixed assets €625k · 84.3% Current assets €116k · 15.7%

Equity & liabilities

Equity €100 · 0.0% Debt €741k · 100.0%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025
Balance sheet, Assets
TOTAL ASSETS	20/58	€741k
Fixed assets	21/28	€625k
Tangible fixed assets	22/27	€65k
Financial fixed assets	28	€560k
Current assets	29/58	€116k
Amounts receivable within one year	40/41	€20k
Investments	50/53	€0
Cash & bank	54/58	€84k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€741k
Equity	10/15	€100
Contributions / capital	10/11	€100
Reserves	13	€0
Accumulated profits (losses)	14	€0
Amounts payable	17/49	€741k
Amounts payable within one year	42/48	€741k
Trade debts payable within one year	44	€1k
Income statement
Gross operating margin	9900	€104k
Operating result	9901	€86k
Financial income	75	€74k
Financial charges	65	€191
Result before taxes	9903	€160k
Income taxes	67/77	€24k
Net result for the period	9904	€136k
Result to be appropriated	9905	€136k

You're seeing the latest fiscal year only. Unlock 3 prior years (figures + ratios) with a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2025 · computed

Model not applicable to financial institutions

The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here.

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank

Cannot be placed on the map

This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.

Lage Weg 372322 Hoogstraten

Establishment units

1 location

VAN STEIJN BEHEER

Lage Weg 37, 2322 HoogstratenHoldings

since 20202.310.991.247

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels1

Ground area1,031 m²

Buildings1

Building footprint193 m²

Volume (LiDAR)1,406 m³

Tallest building10.1 m · ±2 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
13024B0286/00C000	Flanders	1,031 m²	1 · 193 m²	10.1 m · 2 fl.

Methodology

via registered seat: 1

1 of 1 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgisch Staatsblad · acts

1 acts

Capital history · 1

05-03-2025

Capital change

All acts · 1 updated 1 year ago

2025

05-03-2025 All shares are now held by a single shareholder Capital & shares

Original publication ↗

Analysis

Snowflake analysis

financial profile on 5 axes

63 / 100

Strong profile, led by profitability.

Computed on 4 of 5 axes. Not measured: health. An unmeasured axis is not a zero: no data was read for it.

Health -

Profitability 100

Solvency 0

Growth 58

Stability 94

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